1551 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1551 Lambert Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,254 sqft · built 1994
Lot Size	1.16 acres (50,922 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (Oct 2023)
Tax Bill	$5,284 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`11-12-31-5325-00000-0460`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,254 sqft Heated Area
Gross Area	3,515 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,922 sqft (1.16 acres)
Driveway	Driveway
Driveway Area	1,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1551 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOT 46 MB 27 P 15 OR 304 PG 569 OR 504 PG 1878 OR 511 PG 1644 OR 635 PG 1169-DC FOR TRUMAN OR 638 PG 1
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBDIVISION
Legal Lot Number	46
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3016
Census Tract	60301

Owner

1551 Lambert Ave is owned and occupied by an individual who bought it in October 2023.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1551 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Document Number	2023047145
Deed Book / Page	2823 / 946
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 27, 2023
Property Address	1551 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Document Number	0028230946
Book / Page	2823 / 946
Map Reference	MB 27 PG 15-17
Instrument Date	Oct 19, 2023
Instrument	2023047145
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33201 SE WHITE OAK RD, CORVALLIS, OR 97333-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045

Mortgage

Document Number	0002823948
Date	Oct 27, 2023
Instrument	2823/948

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2038

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1551 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045

Mortgage

Document Number	0027801089
Date	May 15, 2023
Book Page	2780/1089
Instrument	2023020835

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1551 Lambert Ave was $5,284 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Flagler Beach City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,284.00 Homeowner's exemption	$314,178	$551,353 Land $182,500 Building $368,853
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$296,579 (+3%)	$513,571 (+20.98%) Land $182,500 Building $331,071
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$287,941	$424,513 Land $147,000 Building $277,513

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1551 Lambert Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	3.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 257 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	38 (2016–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Sep 2017 · 18 claims Hurricane Matthew, Oct 2016 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1551 Lambert Ave is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLAGLER BEACH WTP serves 4,830 people · EPA ID FL2180349
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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